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What Does Your RV Insurance Cover?

May 4, 2021

RV insurance is a must for anyone who plans on driving their vehicle across the country. Regardless of whether you have a motor home or a trailer-style RV, obtaining this coverage will give you peace of mind as you travel the roads. Here are some of the important types of coverage your insurance can provide.

Top 3 Coverage Options for RV Insurance

1. Comprehensive Travel Trailer Insurance

A standard auto insurance policy only covers an RV when it is hooked up to the covered vehicle. RV-specific comprehensive coverage ensures that any damage will be covered, even if it occurs while it is unhooked and parked at a campsite. A comprehensive policy will provide coverage for issues like a tree falling on the RV, flood damage, fires, and other natural hazards.

2. Contents Coverage

Many RVs house expensive equipment, so you can take the comforts of home on the road. From a flat-screen TV to your personal effects, these contents can make an RV an attractive target to thieves. Available contents coverage will cover the replacement cost of these items if your RV is vandalized or experiences a break-in.

3. Collision & Liability Coverage

As with any vehicle, collision and liability coverage are essential. Liability coverage is required by law, helping pay for medical bills, loss of income, and other accident-related expenses if you injure someone else while driving your RV. This coverage also pays for any damage you may have caused to another vehicle or property.

Collision coverage offers financial assistance for the damage your own RV experiences during an accident, regardless of who is at fault. This basic financial protection is a must for anyone who uses an RV.

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If you need RV insurance, contact Phil Taylor Insurance Agency in Clarksville, AR. Serving as the region’s one-stop-shop for insurance needs since 1960, this insurance agency offers policies for auto, home, life, business, and more. To learn more about their options or request an insurance quote, visit them online or call (479) 754-2616.

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